Applications / Mortgage Analytics / Lenders / Kentucky / First Community Bank of the Heartland
Clinton, KY · Depository institution · FDIC · 150 loans in 2025
First Community Bank of the Heartland's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
150
loans originated, 2025
199
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Bank of the Heartland, of Clinton, Kentucky, is a young filer that mostly finances home purchases; it first reported in 2024 and made 150 loans in 2025.
Purchases made up 64.0% of its loans and refinancing 23.3%, all conventional. Its typical loan was $125,000, against $155,000 at similar lenders (depository institutions making between a quarter and four times as many loans). Its loan dollars rose to $29.1 million from $23.0 million, more than at about eight in ten of those peers.
It lent in 25 counties across 4 states. It ranks 127 of 537 lenders in non-metro Kentucky and 132 of 746 in non-metro Tennessee. In Paducah it ranks 17 of 164, with 1.7% of the market, close to its 1.8% in 2024; The Paducah Bank and Trust Company leads there.
Low- and moderate-income (LMI) borrowers took 21.7% of its loans, against 23.0% at similar lenders. Its shares in poorer neighborhoods (LMI tracts), 9.4%, and majority-minority neighborhoods, 3.3%, were somewhat lower than peers' 10.6% and 7.8%. Its mostly non-metro lending is one possible reason.
It made 154 loans in 2024, its first year on record. Its count slipped 3% in 2025, while similar lenders grew 3% and the whole market 10%. Two years are too few to read a trend into.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Community Bank of the Heartland took 199 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.0% · Refinance 23.3% · Home improvement 8.7% · Other 4.0%
Conventional 100.0% · of 150 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 79 | 52.7% |
| Tennessee | 68 | 45.3% |
| Missouri | 2 | 1.3% |
| Maryland | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Paducah | 37 |
| Jackson | 5 |
| Clarksville | 2 |
| Baltimore-Columbia-Towson | 1 |
| Memphis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900S72Y8VX4GAD318 | 2024–2025 |
Established 1 January 1934. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: First Community Bank of the Heartland's data.
First Community Bank of the Heartland's data
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First Community Bank of the Heartland and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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